Cotinine test/screen

[OLS]

Originally Posted by Jasonw560

And the insurance rates being lower. I call BS on that.

Like a local Ambulance Chaser here says, "have you EVER seen insurance rates go down, even once?"
He was talking about tort reform and how the ICs all say that tort reform will cause insurance rates to
go down. We all know that wouldn't be the result of tort reform. And every time an IC lowers your
rates, it is because you have bought your employees a package with higher deductibles is usually all.

[Blueface]

Originally Posted by OLS

Like a local Ambulance Chaser here says, "have you EVER seen insurance rates go down, even once?"
He was talking about tort reform and how the ICs all say that tort reform will cause insurance rates to
go down. We all know that wouldn't be the result of tort reform. And every time an IC lowers your
rates, it is because you have bought your employees a package with higher deductibles is usually all.

Being on both sides of the fence, consumer and insurance company manager for over 30 years, I assure you, rates go up for a reason.
Companies are in business to generate revenue, especially if publicly held.
Fraudsters are in business to defraud these insurance companies and for every100, 3 get caught. Why? Laws are created to favor the plaintiff bar,
So, who pays for this fraud? The consumer via higher premiums.
Fact is a smoker is a higher risk, hence higher premiums.

BTW, I manage an insurance fraud operation. Speaking from knowledge.

[mosesbotbol]

Originally Posted by Blueface

Fact is a smoker is a higher risk, hence higher premiums.

BTW, I manage an insurance fraud operation. Speaking from knowledge.

I've read studies where it was shown smokers have less total insurance cost over their life than non-smokers. Basically because they die sooner and with less long term care like nursing home etc...